Month-over-Month Trends
Is your financial health improving or getting worse?
Trends shows up to 12 months of data side by side — income, expenses, and net for each month.
What you see
For each month in the range:
| Column | What it shows |
|---|---|
| Month | e.g. January 2025 |
| Income | Total money in |
| Expenses | Total money out |
| Net | Income minus expenses |
How to read it
Look at the Net column first. A row of positive net months means you've been consistently saving. A row of negative months means you've been consistently overspending — even if each month felt okay individually.
Look for the direction of expenses. If expenses are slowly climbing month over month while income stays flat, your savings rate is shrinking. Catching this early is exactly what Trends is for.
Look for anomalies. One month with a huge expense spike might be a one-time thing (travel, a big purchase). But if it repeats, it's a pattern.
Example
| Month | Income | Expenses | Net |
|---|---|---|---|
| Jan 2025 | Rp 8,000,000 | Rp 6,200,000 | +Rp 1,800,000 |
| Feb 2025 | Rp 8,000,000 | Rp 6,800,000 | +Rp 1,200,000 |
| Mar 2025 | Rp 8,000,000 | Rp 7,400,000 | +Rp 600,000 |
| Apr 2025 | Rp 8,000,000 | Rp 8,100,000 | −Rp 100,000 |
Expenses grew Rp 400,000–600,000 each month. By April you're in the red. Without Trends, this might have felt like a normal month — you were spending only a little more than usual. With Trends, the pattern is obvious.
Months with no transactions
Months where you didn't record any transactions appear as zeros rather than being skipped. This keeps charts consistent and makes gaps visible — an empty month is a signal that you may have missed recording something.
Pair with By-Category
Once Trends shows you which month went wrong, use By Category filtered to that month to find out exactly what category drove the change.